Closing Cost Calculator
Sketch cash needed beyond the down payment — itemize title, escrow, lender, tax, and prepaid percents of price, or use a simple closing % plus points. Click any i for detail.
Purchase & fees
Home price ($)
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Home price
Purchase price used as the percent base for most fee lines. |
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Cost mode
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Mode
Itemized fee lines or a single closing percent plus points. |
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Title / related (%)
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Title
Title insurance and related title charges as % of price. |
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Escrow / settlement (%)
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Escrow
Settlement or escrow fee sketch as % of price. |
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Lender fees (%)
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Lender
Origination and lender charges as % of price (rough sketch). |
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Transfer / recording taxes (%)
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Taxes
Transfer and recording taxes as % of price — highly local. |
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Prepaid / impounds (%)
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Prepaid
Prepaid interest, taxes, insurance impounds as % of price sketch. |
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Closing costs (% of price)
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Closing %
Single blended closing-cost percent of purchase price. |
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Discount points (% of loan)
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Points
Points paid as percent of loan amount. |
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Loan amount ($)
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Loan amount
Used only for points cost in simple mode. |
How to use this calculator
- Enter the purchase price.
- Choose itemized or simple mode.
- Edit percents (and points/loan in simple mode).
- Match totals toward your Loan Estimate.
Results explained
Headline is the sum of modeled closing costs. Itemized mode keeps each fee family editable; simple mode is a quick % + points sketch for mortgage shopping.
Quick reference: closing cost bands
Buyer costs often land in a few percent of price, but locals vary widely.
| Item | Detail |
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| Title | Often a fraction of 1% |
| Lender fees | Origination / processing |
| Taxes | County & state transfer rules |
| Prepaid | Impounds and prepaid interest |
Seller credits and lender credits can offset cash to close.
How the estimate is built
Itemized: sum(price × each %). Simple: price × closing% + loan × points%.
Example scenario
$500k price with ~2.75% combined itemized lines → roughly $13,750 before credits.
FAQ
Is this cash to close?
No — add down payment and subtract credits for cash to close.
Why percents of price?
A planning shortcut; some fees are flat or based on loan amount — edit freely.
Points vs closing %?
Use simple mode to separate optional discount points.